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Established Member
Pickle027
Posts: 32
Registered: ‎07-17-2012
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CA buys an account that's already been removed? Has anyone ever had this happen?

I ran my credit report and saw a collections account from T-Mobile that i know I didn't owe. I disputed with the CA; they never responded, so I disputed with the three agencies. They all removed the account from my reports. Today, I got  a letter from a new collection agency that had purchased the account from the previous CA that had never validated the debt. They are proposing a settlement and promising they will report it to the CAs as "paid." 

 

If this collection account has already been removed from my credit because it was never validated, why is there another agency trying to collect on it? Should I respond? Can it go on my credit again? 

 

Thanks.

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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?

Yes.. it can be bought by another CA and they can post to your TL.  You say you don't owe.  Do you have proof of this?  First off I would send them a DV now as it will be timely and bar them from any further collection activity until they can validate.  This will include them not posting to your CR as that is a form of collection activity.


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Established Member
Pickle027
Posts: 32
Registered: ‎07-17-2012
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?

The account is so old any proof I have is long gone. It's been off my report for over a year and had been on there for at least 3. But if the last agency couldn't verify it, what would this new one have that the other one didn't? 

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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?


Pickle027 wrote:

The account is so old any proof I have is long gone. It's been off my report for over a year and had been on there for at least 3. But if the last agency couldn't verify it, what would this new one have that the other one didn't? 


I have found that the older an account gets and the harder it is for the CA to collect,  the more bottom feeder of a CA seems to show up. Get that DV going before they post to your CR.  Once they post a DV doesn't require them to remove, it gets a little harder.


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Pickle027
Posts: 32
Registered: ‎07-17-2012
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?

Thank you for your help! The letter says I have 30 days...should I wait until it's closer to the 30 days? Can they report before that?

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Shogun
Posts: 12,952
Registered: ‎04-15-2011
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?

Send it now.  Until they receive your timely DV which prevents them from any further collections of the debt until they validate, they can post to your CR.


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RobertEG
Posts: 18,182
Registered: ‎03-19-2007
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?

[ Edited ]

The key to your situation is that the prior reporting of a collection was disputed, and it was deleted, apparently based on lack of verification.

 

In such cases, no party may have the collection reinserted without first following the reinsertion provisions of FCRA 611(a)(5)(B).

That requires, among other things, that the debt collector first provide certification of accuracy of the deleted information to the CRA.

They may do so, but it is not a simple matter of their just reporting and CRA entry.

 

Yes, send a DV, which will temporarily block credit reporting.  If they should verify the accuracy of the debt, the cease collection bar will no longer apply, and they could attempt reinsertion.  But not as a simple entitlement.  They would have to provide two separate verifications.... one of the debt to overcome the cease collection bar, and the other of the accuracy of the information that remains unverified due to the prior dispute.

Regular Contributor
XxRaVeNxX
Posts: 201
Registered: ‎08-19-2012
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?

I wouldn't worry about it...they probably have 100's of collections that they don't have to verify with...One of my collections still contacts(automated) me via phone, when I disputed it through CRA, and they couldn't verify...I guess, I should send them a DV Letter

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compassion101
Posts: 631
Registered: ‎06-06-2012
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?

Send a DV letter to the new CA within the 30 days. Send it certified mail. I assume their letter follows the correct procedures for a dunning letter?

 

 

 

 

 

New Contributor
Sladyesq
Posts: 58
Registered: ‎09-27-2008
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Re: CA buys an account that's already been removed? Has anyone ever had this happen?

Will the CRA's require this automatically or should it be pointed out to the CA?

 



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